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1、外文题目：InRuralBangladeshBankDevelopmentPattern出处：AsiaMonitor:SouthAsiaMonitor作者：ClaudioGonzalezVega原文：InRuralBangladeshBankDevelopmentPatternByClaudioGonzalezVegaBangladeshgrameenbankthehistoricalbackgroundoftheemergenceTheNobelpeaceprizefor2006wasawardedinBangladeshm
2、uhammadyunusandgrameenbankestablished.InruralBangladeshbank(alsocalledgrameengrameenbank)sinceitsinception,andsuccessfullyinBangladeshintroducedapoorpeasanthouseholdsmicrofinancemodel,thewholeworldatremendousecho,itsfoundermuhammadyunusearnedbankertothepoorreputatio
3、n.In1976,muhammadyunuslendingexpandedtohundredvillages.In1983,classicsbycongress,BangladeshgovernmentlicencesmuhammadyunuscreateestablishedtohisGrameenBank,andnamedsomebody(i.e.GrameenBank,GrameeninBengaliinthe"village"means).Thisemergingbankingsoonreceivedalotofpub
4、licsupportfordevelopingcountries,andimplementmicrofinanceprovidesagoodreference.inruralBangladeshbankoperationmodeForordinarycommercialBanksinBangladesh,itprovidessmallloansoftenisanotyetbraved,alsoDisdaintosetfootinthefield.First,theoperatingcostishigh.Needmicrofin
5、ancevillagersoftencomesfromdifferentsocialfields,theirbusinessprojectsismultifarious:textilegauzeandsellingicecreambar,productionbronzes,repairedtheradio,processingmustardoil,planting,ricejackfruit,etc.Andeachprojectloanonlyafewtensofdollars,andevenafewdollars,thisw
6、illgiveabankofficerbroughtanightmarescenario:dailyneedtrackinghundredsofdifferentforeachprojectmanagementprojectandtriflingdozensof$recordstatistics,bankloansdoitselfpayoperatingcostsalsorisesgreatly.Forexample,alsoistoprovideasumof100milliondollarsinloans,lendittos
7、everalpeoplelenttensofthousandsofpersonalcomparewords,formercostofwillundoubtedlywillreducealot.Secondly,repaytheriskistoolarge.Providetheirloans,theBanksoftenneedstoguarantee,inordertoreducetherisksofborrowerscannotreimbursement,andthisiswherethepoorarelacking.Nowa
8、rranties,bankworriedthattheywon'tgetloansinrepayasscheduled,thuscausingthebankisalwaysonthispopulationtightgatesituation.So,muhammadyunusa
